Loans and loans for temporary workers

 

Loans and personal loans to temporary workers:

Loans and personal loans to temporary workers:

What are we referring to? That of workers who have a fixed-term employment contract is part of the huge strand of the world of precariousness which, in truth, we have already partially dealt with, for example, with regard to loans for temporary workers. The phenomenon is so vast that, in mid-2019, think that 14% of all workers have fixed-term contracts and, even, the percentage rises to 50% if we consider young people, i.e. the range of workers between 15 and 25 years (data source: Istat).

Even the forecasts are not rosy: in the next few years we will witness a real boom in fixed-term employment contracts. If this is the reality, the question is: do I have a fixed-term contract can I apply for a loan?

Fixed-term payroll financing:

Fixed-term payroll financing:

What are they? Before mentioning them, allow us an observation! The real question, this being the case, should be another: given that fixed-term or fixed-term work will continue to increase, what does the banking system intend to do to adapt to this new form of the labor market? The answer must necessarily be given in the first place by the political system in concert with the banking and insurance system.

For now, we can only tell you what they are and with what limits, today, by 2020, worker loans are disbursed to fixed term. Let’s start by answering the above question (I have a contract.. I can apply for a loan): of course! Who should I ask? A: we will not indicate any bank or financial institution in particular, since, under certain conditions, everyone does it but with a large limit beyond which the fixed-term worker has need, that is, it must present additional guarantees.

Small loans contract determined:

Small loans contract determined:

We have used the adjective in the plural of ” small “, as in this period the loan to a fixed-term worker is literally “relegated” to the small loans: in practice, the duration of the financing that they can grant to a temporary worker determined CANNOT exceed the duration of the employment contract. This is, at the same time, the real limit as well as the problem of a direct loan to those who have a fixed-term employment contract! Think, for example, of loans with a 6-month contract: well, what kind of sum can I receive if I have to repay it in 6 months? The antiphon happens.

Things will be better if you have at least a two-year contract. What to do in these cases, that is, how to get more funding both in terms of amount and repayment time? Well, unfortunately the easiest solution is that of the guarantor: only his presence guarantees the disbursement of normal fixed-term worker loans. What if the guarantor is missing?

Loans with fixed-term contract without guarantor:

Loans with fixed-term contract without guarantor:

Let’s see what are some alternative guarantees and which to be faced in the absence of a third guarantor! The first of these guarantees, which can be used if you have movable or immovable property, even from third parties, is mortgage financing, that is, allowing, authorizing the registration of a mortgage on a house, land, garage etc. The same applies to the mortgage registration on a movable asset (e.g. motor vehicles) which, where it is not susceptible to mortgage registration, can be given as a pledge.

Another way to go for obtaining personal loans to temporary workers is that of the foreign exchange loan which however is not dealt with by any credit institution. NB: unlike the guarantor, the other proposed solutions are not within reach of all banks and financial institutions. For this reason, where it is useful, we indicate a resource from which you will find who grants these forms of credit on loans with bills and who grants them in 2020

What are the main reasons that lead Spaniards to request a quick loan?

It is increasingly common for Spaniards to find themselves forced to apply for a quick loan. But what is the reason? What drives us to need money so quickly and immediately? Well, according to a survey carried out by the loan portal website, 45% of Spanish users are forced to request a quick loan due to an unforeseen event.

The need to obtain quick credit 

The need to obtain quick credit 

We can say that since the beginning of the crisis in 2008, the need to obtain quick credit has become increasingly common among Spaniards. This trend has undoubtedly grown considerably since 2012, at which time most of the fintech companies began to appear, which are in charge of offering fast credit through the internet to all types of users, many of them previously rejected by traditional financial institutions. for not being considered solvent.

And there have been no doubt two reasons that have conditioned the proliferation and growth of this type of financial company:

  • The possibility of obtaining money in our own account from the comfort of our home and without having to wait for weeks for a negative or positive response. In addition, in many cases, the client receives the loan on his own account in less than 15 minutes in the case of small amounts.
  • There is no need to explain to the company that offers the money the reasons that lead the future client to request a quick loan.

The clients who applied for a loan

The clients who applied for a loan

According to the survey carried out by website, in addition to the 45% that we have already spoken about, 12% of the clients who applied for a loan did so in order to pay the amount of an invoice that they did not have. 8.73% requested the money to buy food because they could not meet the expenses necessary to feed their families. 8% requested a quick loan with the intention of repairing the vehicle or in order to face a traffic fine, 6.12% decided to apply for a quick loan to be able to pay the mortgage loan or the rental cost more comfortably. The remaining 20% ​​used the money to meet different types of essential expenses within households.

This portal, like other providers of quick loans to clients in need of immediate money, always emphasizes among applicants to learn how to use these types of platforms. A quick loan should never become the way to habitually face the expenses that we have to cover each month, but should be used as an emergency method in case of unexpected situations and situations that cannot be solved with our usual income. Applying for a quick loan should never become the usual way to make ends meet. We must never turn this action into a habit, since high interests will penalize our finances in a very aggressive way, and may place us in a truly complicated economic situation.

Loans with Financial Credit Institution

Have no cash available at that time

Have no cash available at that time

Loans with Financial Credit Institution are a good alternative for when there is a financial hardship and we have no cash available at that time. It is a simple and short-term solution, fast and discreet, to say enough to any unforeseen that comes our way.

At present, when the Spanish economic situation is not the best, aid is needed to enable us to manage our budget in the most efficient way. Financial Credit Institution loans are loans from a private source of financing that operate differently than bank products do, and therefore we must define well how they work.

Features of fast and urgent Financial Credit Institution loans

Features of fast and urgent Financial Credit Institution loans

These represent financial aid based on a mortgage guarantee. In other words, in order to obtain the desired amount, it is necessary to place a property under guarantee. It is not essential that it belongs to the applicant for the capital: it may be owned by a family member, friend or acquaintance. The only essential requirement to apply for a loan with Financial Credit Institution is that you must present that home in order to be used as a guarantee.

Only with the document of the deed, a simple note of the registry and some photographs, the applicant can quickly obtain quick loans with Financial Credit Institution, an amount that allows him to solve any unforeseen: without limit of amount or a maximum of the equivalent of 20% of the value current appraisal of the property, being the minimum capital to request of 6,000 USD. As for the repayment time of the loans with fast Financial Credit Institution, it must be said that the terms are quite elastic, because the client can choose a period of between 1 and 15 years to pay off his total debt. And always in monthly installments adapted to your ability to pay.

Repayment is the urgent loan solution with Financial Credit Institution

Repayment is the urgent loan solution with Financial Credit Institution

On the other hand, it is important to clarify that when the user does not have difficulties to face fast credit with Financial Credit Institution, he can resort to an urgent solution: amortization. This service is enabled after the first year of the debt’s life has elapsed and has a charge of only 0.5%.

On the other hand, refinancing for loans with Financial Credit Institution can be requested by the beneficiaries at any time; It is an aid that was established taking into account the unstable economic situation in the country.

Another issue that we cannot fail to mention is the issue of interests. Contrary to traditional banking, investors do not set fixed rates on loans with Financial Credit Institution, but establish the interest to be paid according to the characteristics of each client’s debt. This means that the credit is totally personalized, because the charges to be paid depend on the amount requested and the terms requested to return it. There are also certain commission expenses that are established when requesting capital and always before signing the contract. In this document all the conditions of the transaction will appear clearly, which avoids future misunderstandings.

Advantages of loans with Financial Credit Institution and payroll

Now, it is worth asking what are the specific advantages of these products. Why would a user choose Financial Credit Institution loans offered by private lenders over traditionally offered by banks? Mainly, because investors do not carry out a preliminary study of the client’s economic activity to decide whether to lend him the money. Thus, it does not matter if the future beneficiary of the capital has outstanding debts, is in a delinquency file. Nor is it required that the client submit a payroll detailing what he receives month by month, or in any other way justify his income. This is equivalent to saying that the unemployed, underemployed and workers in black can also access capital.

In addition to being accessible to everyone, even those without a good credit rating, loans with Financial Credit Institution are obtained in a matter of days. In less than a week, whoever is in trouble will have the money they need in hand and very easily. Investors are direct and have no capital limit to grant loans and credits with Financial Credit Institution, thanks to which they are willing to solve the specific needs of each client. It should also be noted that lenders do not make inquiries about the purpose of the money or disseminate data on the operations they carry out with their clients. The process is absolutely confidential and private, and is only registered for inspection purposes.

How to get personal loans with Financial Credit Institution

How to get personal loans with Financial Credit Institution

Now, after having stated its qualities, it is necessary to clarify how to get these personal loans with Financial Credit Institution. Firstly, it should be noted that they are available to anyone of legal age currently living in Spain, thanks to the fact that the service has networks throughout the country. The immediate and easy ways to get access to money: by accessing the website that offers these services. From there, the customer has to fill out a very simple request form with some basic information. Investors will respond to your request shortly.

Probably such a simple solution arouses some mistrust among users; However, we must clarify that all the processing of loans with Financial Credit Institution is absolutely legal and is covered by current laws, such as the Mortgage Law. We guarantee the transparency of our services by signing a loan contract at a notary office, and for the beneficiary’s convenience that step is always done at a notary’s office in the same city.

In short, the loans with Financial Credit Institution are aimed at ordinary people, at workers who at any given time may need extra help to cover their expenses. Whoever needs money now, can go to a solution adapted to their budget without embarking on eternal debts and without going through the annoying bureaucratic procedures so common in these situations. Anyway, we make you a proposal without obligation and invite you to consider it simply so that you can regain your peace of mind.

Private loans without payroll

The minimum amount of money in private loans without payroll that private lenders grant is 6,000 euros and in turn, make a calculation – without the possibility of speculation – about the maximum possible amount that will be delivered to the client. This is calculated for all clients in the same way: it is based on 20% of the total value of the property presented as collateral. As far as the client already knows beforehand that according to the deed they have, it will be the limit of the amount of money they can get.

Requirement for private credits without payroll

Requirement for private credits without payroll

In addition, this real estate deed will be the access door to this service of private credits without payroll since otherwise it cannot be obtained. This is an exclusive condition, also counting that this real estate must be free of charges and without prior mortgages from other operations carried out with the same guarantee.

“Generally, this method is common to any type of financial institution that you can access to acquire private loans without payroll. ” It is important to highlight the time of the service as one of its advantages since these private entities can provide it in a matter of days from 48 hours to a week, with the sole objective of being truly a solution to the financial problem.

Who can apply for loans without payroll

Who can apply for loans without payroll

On the other hand, in these entities you can obtain private credits without payroll, they do not recognize as exclusive the person who appears on the lists of defaulters or who is in Financial Credit Institution. In these entities, a maximum amount of money to be granted does not usually appear, here there are no limits, the client can access the cash they need without too many pretensions, provided they have the adequate guarantee.

The most outstanding advantage of this type of private loans without payroll is that they do not have the habit of making investigations about the particular situation of the client, his background or the projection that he has with the money that will be granted.

Another of the great benefits is given in the period of return of the money that was granted, and in what does it consist? In that unlike other institutions, in these companies there is no penalty in the event that the client advances some fees and pays more than once. The only thing that will be applied on it is a 0.25 percent that will work as an amortization.